阿通社10月28日援引渣打环球私人银行发布的最新研究显示，阿联酋超高净值家族在数字资产与人 工智能应用方面居全球前列：71%的受访者认为应配置数字资产，75%信任AI辅助财富决策，96%定期 优化治理体系，67%希下一代深度参与投资决策。88%偏好国际公益项目，92%家族成员在慈善领域高 度一致。92%认为完善的继承规划可节省数百万美元成本。报告指出，阿联酋正成为"创新+制度"并行 的全球私人财富中心。 （原标题：阿联酋超高净值家族在数字资产与人工智能应用方面走在全球前列） ...

Core Viewpoint - The wealth management needs of high-net-worth individuals in China are undergoing a profound transformation, focusing on wealth preservation and inheritance, diversified asset allocation, customized services, and social impact considerations [1][2]. Group 1: Trends in Wealth Management - The asset allocation of high-net-worth individuals is becoming increasingly diversified, moving away from a heavy reliance on domestic real estate and A-shares to include cross-border investments such as foreign dollar bonds, Asia-Pacific REITs, and private equity funds in Europe and the U.S. [3] - Globalization is a significant trend, with clients seeking investment opportunities worldwide and reducing local asset allocations, indicating a shift from chasing high returns to pursuing stable growth and security [3][4]. - The investment needs of clients are becoming more complex and mature, particularly among entrepreneurs in mainland China, who require deeper insights and tailored products due to their experience with various economic cycles [4]. Group 2: Wealth Planning and Inheritance - Comprehensive wealth planning is increasingly important, with a focus on family welfare and long-term development strategies for wealth transfer [4][5]. - High-net-worth individuals are not only concerned with financial asset transfer but also with the transmission of values across generations, emphasizing a multi-generational perspective on family legacy [5]. Group 3: Integrated Services - There is a growing need for integrated solutions that consider personal, family, and business aspects, requiring service providers to act as strategic partners [7]. - HSBC Global Private Banking aims to go beyond traditional private banking by collaborating with corporate and institutional banking to support clients' business and personal wealth journeys [7][8]. Group 4: Hong Kong as a Wealth Management Hub - Hong Kong is increasingly favored by mainland high-net-worth individuals due to its unique geographical advantages, financial expertise, and robust legal framework, serving as a gateway to global markets [10]. - HSBC provides over 800 carefully selected local and global fund products to clients in mainland China, focusing on diversified asset allocation and tailored investment strategies [10].

Core Insights - The wealth management needs of China's high-net-worth individuals are undergoing a profound transformation, focusing not only on wealth growth but also on preservation and inheritance [2][3] - There is a shift from a single asset allocation strategy centered on "local currency + real estate" to a diversified approach involving "RMB + foreign currency + alternative assets" [2][3] - High-net-worth individuals are increasingly favoring customized, one-stop services over traditional product-pushing sales methods [2][3] - There is a growing emphasis on values such as charity, ESG (Environmental, Social, and Governance), and social impact, moving away from a purely profit-driven mindset [2][3] Wealth Management Trends - The asset allocation of high-net-worth clients is becoming more diversified, moving away from heavy investments in domestic real estate and A-shares [3] - There is a rapid increase in demand for cross-border asset allocation, with particular interest in overseas dollar bonds, Asia-Pacific REITs, and private equity funds in Europe and the U.S. [3] - Clients are now seeking stable value growth and security rather than just high returns, leading to the construction of defensive investment portfolios that can effectively hedge against systemic risks [3][4] Family Wealth Planning - There is a rising focus on comprehensive wealth planning, with an emphasis on family welfare and long-term development strategies [4][5] - High-net-worth individuals are increasingly viewing wealth transfer as a multi-generational endeavor rather than a short-term plan [5] Integrated Services - The integration of personal, family, and business wealth management is becoming essential, requiring a holistic approach that goes beyond financial product combinations [6] - HSBC Global Private Banking aims to act as a strategic partner, providing cross-border resource integration and top-level design for clients' wealth management needs [6][7] Hong Kong's Role - Hong Kong is increasingly favored by high-net-worth individuals from mainland China due to its unique geographical advantages, financial expertise, and robust legal framework [8][9] - The city serves as a gateway for mainland clients to access global markets, offering a blend of Eastern and Western perspectives in wealth management services [9] Investment Product Offerings - HSBC provides over 800 carefully selected local and global fund products to assist clients in global asset allocation [9] - The focus is on guiding clients towards diversified asset allocation and tailored risk-adjusted return solutions, including alternative strategies and wealth planning tools [9]

Core Viewpoint - Hong Kong is expanding its leading advantage in the family office sector, with expectations to surpass its 2022 goal of attracting over 200 large family offices by the end of 2025 [2] Group 1: Family Office Growth in Hong Kong - Hong Kong's 2025-2026 budget includes more tax incentives for single family offices (SFOs) [2] - The Capital Investment Entrant Scheme (CIES) has been optimized after one year, with a set investment threshold of HKD 30 million, receiving 918 applications and expected total funding exceeding HKD 27 billion [2][6] - Over 2,700 SFOs were reported in Hong Kong last year, with one-third of ultra-high-net-worth individuals having assets over USD 100 million [2][3] Group 2: Comparison with Singapore - Hong Kong's favorable policies and tax reductions contrast sharply with Singapore's stricter tax rules and complex approval processes for family offices [3] - Singapore is expected to see a 43% increase in family offices in 2024, reaching 2,000, despite a projected slowdown in growth due to regulatory changes [6][8] Group 3: Wealth Growth in Asia - The number of individuals with over USD 10 million in assets in Asia is projected to grow at an annual rate of 8.7% from 2024 to 2028, surpassing the global growth rate of 6.9% [8][11] - By 2028, the number of ultra-high-net-worth individuals in Asia is expected to increase by 8.5% to 35,895, representing 32% of the global total [11][12] Group 4: Strategic Position of Hong Kong - Hong Kong serves as a strategic gateway for private banking in the Greater Bay Area and mainland China, with government policies aimed at attracting wealthy individuals and family offices [9] - Southeast Asian wealthy individuals may find Singaporean banks more advantageous for transferring funds overseas [9]

Core Insights - CICC won two awards at the 2025 Global Private Banking Innovation Awards, namely "Best Private Bank in Hong Kong" and "Best Portfolio Management Solution," becoming the only Chinese institution to receive awards in this event [1][2][5] - The company emphasizes a "China-rooted, globally integrated" philosophy, aiming to provide comprehensive, one-stop global investment solutions for individual, family, and corporate clients [1][2] Group 1: Awards and Recognition - CICC's international wealth management has been recognized for its outstanding service capabilities and innovative investment solutions, winning multiple international awards this year [1][2] - The awards reflect CICC's commitment to customer-centric service, global vision, and a focus on high-quality investment solutions [2][5] Group 2: Investment Solutions - CICC's investment management business spans both primary and secondary markets, providing a one-stop private equity allocation solution that addresses traditional investment barriers [4] - The company utilizes a mature "50 series" advisory system to enhance clients' asset allocation throughout their investment lifecycle, effectively mitigating regional market risks [4] Group 3: Future Outlook - The dual awards signify recognition of CICC's foundational philosophy and set expectations for continued innovation and leadership in the wealth management sector [4] - CICC aims to maintain its commitment to excellence in service, leveraging a broader global perspective and deep professional expertise to create long-term value for clients [4]